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Active·11 days on market

36426 Pitch Lane

Hilliard, FL 32046

$699,000$270/sqftEst. $3,732/moMLS# 2164815
4
Beds
2
Baths
2,592
Sq Ft
2024
Built
2
Garage
No
Pool
FEMA Zone XHOA $78/mo1.43 acresSingle Family Residence1 story

About this home

Hilliard

1.432 ACRES • PRIVATE CUL-DE-SAC • 4 BEDROOMS • ENDLESS POOLS® SWIM SPA • OUTDOOR KITCHEN • RV & BOAT FRIENDLY Welcome to 36426 Pitch Ln, a beautifully maintained single-story home situated at the end of a quiet cul-de-sac in Hilliard. Built in 2024 and set on 1.432 acres, this 4-bedroom, 2-bath home provides 2,592 square feet of living space with an exceptional combination of privacy, spacious interiors and Florida outdoor living. A long driveway leads to the home and side-entry two-car garage. Inside, elevated ceilings and 8-foot interior doors create an immediate sense of openness. The kitchen and three se

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$3,732
Property taxesest. at asking price, Nassau County$965
HOAbilled monthly$78
Estimated total, before insurance$4,775/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,613/yr · $551/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$699,000
$139,800
Loan Term
Monthly Payment
$3,732
Principal & Interest: $3,732
Property taxes (est.): $965
Insurance (est.): $466
Estimated Total Monthly
$5,163
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone K

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: material not specified — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,613/yr

Estimated taxes if purchased at asking price: ~$11,600/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Sep 14, 2026Listed$699,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$699,000
Price / Sq Ft$270
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,592
Acres1.43 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address36426 Pitch Lane, Hilliard, FL 32046
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionSouthern Pines
CityHilliard
CountyNassau
StateFL
Zip Code32046
Lot Size62,290.8 sq ft
Parcel Number23-3N-24-3300-0127-0000

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Not Available, Water Connected
SewerAerobic Septic
Water SourceWell
ParkingAttached, Garage, Garage Door Opener, RV Access/Parking

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Water Heater, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Induction Cooktop, Microwave, Plumbed For Ice Maker, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories1

Exterior

Exterior FeaturesCourtyard, Outdoor Kitchen

Additional Information

Date ListedSeptember 14, 2026
Days on Market3
HOA Fees$78 / Monthly
HOA FrequencyMonthly
Tax Amount$6,613
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BEYCOME OF FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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